January 1th 15 Yr Conforming High Balance $30k Rate 776% APR 2.5%!

The Biden administration introduced a new incentive plan, which has led to a gradual increase in interest rates since last week.If the economy rebounds sharply this year, interest rates are bound to rise.Students who need loans should not miss the opportunity to lock in low interest rates in time.

Interest rate of Conforming High Balance loan on January 1based on: 

Single House (SFR) / Owned Housing (Primary) / Loan Amount / House Value (LTV) 60 / Credit Score FICO 780 / House Purchase Loan (Purchase) 

1/15/2021	Program	Rate	APR	No point no cost	APR
High Balance	30 years Fixed	Present in several = 2.500%	Present in several = 2.567%	Present in several = 2.625%	Present in several = 2.646%
High Balance	15 years Fixed	Present in several = 1.875%	Present in several = 1.942%	Present in several = 2.125%	Present in several = 2.146%
Jumbo Loan	30 years Fixed	Present in several = 2.750%	Present in several = 2.817%	Present in several = 2.875%	Present in several = 2.896%
Jumbo Loan	15 years Fixed	Present in several = 2.750%	Present in several = 2.817%	Present in several = 3.000%	Present in several = 3.021%

Refinance and home purchase loans that do not fully meet the above conditions are also welcomerate, Compare our interest rates.

Interest rates change every day and may change due to the individual circumstances of each lender.Today's real-time interest rate, thinkrateFor students who are consulting, you can scan the QR code below to contact the loan broker Yi.

Quote does not need to provide the address of the house and any sensitive information.As a housing loan consultant, we have agreements with dozens of wholesale lenders to help customers compare and provide competitive interest rates.Students who need Quote

When contacting WeChat, please provide the following information:

1. Credit score

2. The current valuation of the house (refinance) or the price at which the house is ready to be purchased (finance)

3. Loan balance (if it is refinance)

4. Housing type: SFH, PUD, or condo

5. Is the house owner-occupied or investment house

6. Housing zip code 7. Is income W2

8. Except for loaned houses, are there other investment houses or self-employment income or business income?

FAQ

Q:

How high is the credit score?

Generally above 740, a good interest rate can be guaranteed.If your credit score is less than 740, there will be guidelines on the credit report we provide to see if you can increase your credit score to 740 in the short term.The guidelines will list the name of the credit card that needs to pay the balance.After you pay, we will ask the credit bureau to pull the balances of these credit cards to recalculate your credit score.We also recommend that you pay off all your credit card balances as much as possible before applying. Increase your credit score and reduce your Debt/income ratio, which is conducive to loan approval.

Q:

What are the pre-charges for applying for a loan?

As a loan broker, we do not charge upfront.We only pre-charge the $38 paid to a third-party credit reporting company to get your credit score.

Yi Liu, MBA

Mortgage Loan Originator, NMLS 1949304

yi.liu@transgloballending.com | transglobalus.com

Golden Star, Inc. dba Transglobal Lending

NMLS#1437002

185 W. Chestnut Ave

Monrovia, CA 91016

Equal Opportunity Employer and Equal Housing Lender

Equal opportunity employers and equal housing loan agencies.

All loan products require credit approval.Interest rates, terms and conditions are subject to change without notice.There may be additional conditions, qualifications and restrictions.This advertisement is not a loan offer or promise loan.

Important note: The above interest rates are only valid on the date indicated and are for reference only.If the current interest rate is changed without prior notice, your loan interest rate should be subject to our locked interest rate. .

Loans require credit and mortgage approval.The interest rates mentioned above are based on a set of loan assumptions and are applicable to borrowers with excellent credit history and best loan qualifications.Your final interest rate and annual interest rate (APR) may be different, depending on your personal circumstances, and some products may not be applicable to your situation.The determining factors include, but are not limited to, the address of the property, the amount of the loan, the type of documents required, the type of loan, the type of house use, the type of property, the ratio of loan to house value and credit score.

APR reflects the cost of credit during the loan term, expressed in terms of annual interest rates.For mortgage loans, APR may include interest rates, discount points (also called "points"), and other fees (such as mortgage insurance and underwriting fees), but may not necessarily consider other fees that may be required for financing specific to your loan

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